Tag: Lubbock Texas Tow Truck Insurance

Tow Truck Insurance Lubbock Tx – Call Now!

If superior rates and service on Tow Truck Insurance in Lubbock Tx are what you seek, then you’ve found the right place!

Pathway Insurance is the solution for all your needs for Tow Truck Insurance in Lubbock Texas and the surrounding areas.

No matter if you are looking for Commercial Truck Insurance, Garage Keepers Legal Liability Insurance, Texas Storage Location Insurance, or have general questions about whether or not you need a certain type of insurance, we are here to help.

Pathway Insurance offers insurance options from top companies for Tow Truck Insurance in Lubbock, Fort Worth, San Antonio, Dallas, Austin, Houston, and all over the State of Texas.

Give us a call today toll free by dialing 800-998-0662 to speak with one of our experienced insurance agents.

As an agency we like to inform clients about bad decisions they could make when purchasing insurance. In a continuation of a claims scenario, we will learn about a BIG MISTAKE a gentleman by the name of Billy Sandwichshort made when he bought insurance for his tow truck.

Tow Truck Insurance Texas – Claims Scenario Part Three.

In our last post Billy Sandwichshort purchased insurance for his Ford pickup truck and began using it to provide a towing service for his car repair customers.

We witnessed as he narrowly avoided running over an armadillo crossing the road, only to instead cause major damage to a customer’s vehicle and his own truck.

Billy files a claim through the insurance company that recently provided him with a policy for his truck.

In the meantime he gets to work fixing the car and does his best to explain to the customer what happened.

A couple weeks later, Billy receives a letter from the insurance company. To Billy’s immense surprise, both claims have been denied.

You may recall that Billy did not inform his new agent that he intended to use his pickup truck to tow vehicles for his repair business. Had the agent known, he would have informed Billy that he needed a business auto policy.

Normally the agent would have caught this sort of thing when he ran the vehicle’s VIN, but because it is a typical pickup truck retrofitted to tow small cars the VIN did not tip him off to the usage of his truck.

The letter says that a personal auto insurance policy contains the following exclusion of coverage:

Coverage is excluded if the insured vehicle is: Used in the business of selling, repairing, servicing, storing, or parking vehicles.

Unfortunately that is exactly what Billy was doing and his insurance company rightly refused to provide coverage under the personal automobile insurance policy Billy mistakenly bought.

But what about the customer’s vehicle Billy was towing? Let’s say Billy had in fact purchased a commercial auto policy; would the damage to the customer’s car be covered then?

Keep this in mind as you are shopping for Tow Truck Insurance in Texas — it doesn’t cover every sort of claim event so it is super important to read your policy so you understand what is, covered, and most importantly what isn’t covered!

Another important step is to make sure you set your policy up right in the first place. We are going to continue a conversation we started in our last post about our fictitious backyard mechanic named Billy Sandwichshort.

Tow Truck Insurance Laredo Tx – Claims Scenario-Part Two.

In our last article we were introduced to a back yard mechanic named Billy Sandwichshort.

You’ll recall that after a couple years of saving Billy purchased a used Ford F250 rigged with a tow kit to offer a towing service along with his repair service, but his insurance agent informed Billy that their agency does not insure trucks for business operations.

He recommended that Billy look around for a company that will do so.

Billy calls up another insurance provider that offers commercial policies and tells them he needs insurance for his truck.

It does not occur to Billy to inform this new agency that he will be using the truck to tow vehicles for his back yard repair service.

The new agent sets Billy up with a personal auto policy, and before long Billy is towing customers’ cars and raking in lots of new business.

A few weeks later, Billy drives off to pick up one of his customers’ broken down cars. He hitches the car to his truck and sets off for his back yard shop.

Because he is singing along to a catchy tune on the radio, Billy does not notice a large armadillo crossing the road in front of him until he’s almost upon it.

At the last moment Billy reacts and impulsively swerves to avoid the animal (which can be more dangerous than simply hitting the animal) and manages to dodge it. The sudden swerve is enough, however, to cause the car he is towing behind him to swing.

The momentum of the swinging car pulls Billy partially off the road. The back end of the car smashes into a telephone pole, breaking the bumper and tail light and damaging the rear axle.

What does this mean, given Billy’s new insurance coverage? Find out in our next article.

Laredo Tx Tow Truck Insurance – Call Today!

Don’t wait until something like this happens to you. Take action ahead of time by talking to the licensed agents of Pathway Insurance. We are here to answer your insurance questions and find the coverage that best suits your individual needs.

So give us a call today at 800-998-0662 to speak with our friendly and knowledgeable staff, or click Tow Truck Insurance in Laredo Texas to submit your information to us online any time.

Tow Truck Insurance Plano Tx – Call Now for Great Rates!

Are you searching for the best service and rates for Tow Truck Insurance in Plano and the surrounding areas? Then look no further than Pathway Insurance.

At Pathway Insurance we provide top notch options for Tow Truck Insurance in Plano, Fort Worth, San Antonio, Dallas, Austin, Houston, and all over the State of Texas.

You can contact Pathway Insurance today toll free by dialing 800-998-0662 to talk to one of our experienced insurance agents.

Alternatively, you can also contact us by clicking on Plano Texas Tow Truck Insurance to submit your information to us online 24 hours a day, 7 days a week.

Some auto repair garages, or tow-only companies have a mistaken understanding about insurance – they think it covers everything! In reality insurance policies contain conditions and exclusions of coverage.

Let’s consider another claims scenario right now.

Tow Truck Insurance Plano Texas – Claims Scenario.

Billy Sandwichshort is what you might call a back yard mechanic. He loves cars, and has always tinkered and dabbled with engines and car parts in his spare time.

On occasion he would offer to take a stab at fixing his friends’ and relatives’ cars for them at no charge, and over the years started to get pretty decent at it.

As he started spending more and more time doing car repair, he decided to start charging for it and treating it like a part time job. Though business was steady, Billy noticed that he would often lose potential customers to established repair shops as they offered their own towing service to get the broken down cars to their location.

After a couple years of saving, Billy goes out and purchases a used Ford F250 with a tow kit so he can pick up smaller vehicles.

He calls up his insurance agent to add his new truck to his personal car insurance policy. His agent asks Billy what he is going to do with his new truck and Billy honestly answers “I’m going to tow small vehicles to work on them at my house.”

Billy’s agent explains, “Billy you need to buy a commercial auto policy because a regular car policy will not cover you. Also, did you say you are fixing cars at your house? If so you need to get a business policy for that, too. Unfortunately we don’t sell those types of policies. Let me get you a recommendation to another agent.”

Billy calls the other agent and gets a BIG premium shock!

Wow, he did not expect his insurance rates to go up by 5 times for a small tow truck. Billy can’t afford that, but just then he sees a commercial on TV. He calls them for a car insurance quote and doesn’t think it’s important to tell them about how he is going to use his vehicle.

To be continued in our next article.

Tow Truck Insurance Plano Tx – Call or Click Today!

We can help you get a great deal on Tow Truck Insurance in Plano Texas or any of the surrounding areas. Why not call us right now?

Our office number is 800-998-0662 or you can use our convenient online submission system to send us your request for quotes 24 hours per day by clicking on this link: Tow Truck Insurance Plano Texas.

Tow Truck Insurance Fort Worth Tx – Call Now!

For the best rates and service on Tow Truck Insurance in Fort Worth Tx and the nearby areas call Pathway Insurance.

You can reach us Monday through Friday toll free at 800-998-0662 to speak with one of our experienced agents, or submit your information online by clicking on Fort Worth Tx Tow Truck Insurance.

Pathway Insurance offers competitive rates on Tow Truck Insurance in Fort Worth, Dallas, San Antonio, Austin, Houston, and all over the State of Texas.

Tow Truck Insurance Fort Worth Texas – Know Your Coverage Part 3.

In our last two articles we discussed the importance of understanding your Texas Tow Truck Insurance policy, and how the best way to understand your policy is, once again, to read it thoroughly.

Let’s now return to our imagined scenario for the conclusion that will illustrate the importance of understanding your policy.

Tow Truck Insurance Texas – Coverage Scenario Continued.

When we last saw Jethro and Linda, they had just been through an auto accident on their way home from a boating trip. You’ll recall that they had just purchased a new boat but did not want to use their personal vehicles to pull their new watercraft. Instead, Jethro decided to use one of his tow trucks.

Because he purchased On Hook Coverage for all of his tow trucks, he assumed everything would be fine.

After the accident, Jethro files an insurance claim for the damage to his boat on his commercial auto policy because he has a $5,000 deductible on his boat policy but a zero dollar deductible on his commercial auto policy.

A few weeks later Jethro receives a letter from his insurance company denying the insurance claim!

Included within the letter is the reason for the claim denial:

“Towed Auto” or “watercraft” means an “auto” or “watercraft” not owned by or registered to “you” while it is being moved by “your” covered “auto”. “Towed auto” or “watercraft” also means an “auto” or “watercraft” when it is moved from the place where “you” accept it for movement by or on “your” covered “auto”, until such time as it is moved to the place where it is finally delivered by “you”.

Jethro’s eyes lock onto one phrase in particular: “watercraft” not owned by or registered to “you.”

Simply put, the insurance company is not obligated to pay for the damage to the boat because it was owned by Jethro at the time of the accident.

Jethro is naturally a bit upset. He had previously called his agent (who wasn’t in at the time) but spoke with the secretary who assured him that his On Hook coverage would cover him when towing watercraft.

Why did the secretary tell him he was covered when he clearly was not? We will consider this in our next post.

Tow Truck Insurance Fort Worth Tx – Call Today!

Commercial truck insurance is a bit more complicated than you might think so taking the time to understand your coverage is a very good idea.

Pathway Insurance can help you find the policy that’s right for you and your business.